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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.05
AF's Cash to Debt is ranked lower than
97% of the 1161 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.56 vs. AF: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
AF' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.05 Max: 0.08
Current: 0.05
0.02
0.08
Equity to Asset 0.11
AF's Equity to Asset is ranked higher than
60% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. AF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
AF' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 0.89
AF's Interest Coverage is ranked lower than
66% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. AF: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
AF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.33 Max: 0.89
Current: 0.89
0.07
0.89
F-Score: 5
M-Score: -2.53
WACC vs ROIC
3.45%
1.91%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 29.85
AF's Operating margin (%) is ranked lower than
54% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.24 vs. AF: 29.85 )
Ranked among companies with meaningful Operating margin (%) only.
AF' s Operating margin (%) Range Over the Past 10 Years
Min: 7.57  Med: 25.51 Max: 53.96
Current: 29.85
7.57
53.96
Net-margin (%) 22.30
AF's Net-margin (%) is ranked lower than
52% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.66 vs. AF: 22.30 )
Ranked among companies with meaningful Net-margin (%) only.
AF' s Net-margin (%) Range Over the Past 10 Years
Min: 5.44  Med: 17.36 Max: 36.31
Current: 22.3
5.44
36.31
ROE (%) 4.89
AF's ROE (%) is ranked lower than
77% of the 1669 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. AF: 4.89 )
Ranked among companies with meaningful ROE (%) only.
AF' s ROE (%) Range Over the Past 10 Years
Min: 2.32  Med: 5.51 Max: 13.63
Current: 4.89
2.32
13.63
ROA (%) 0.57
AF's ROA (%) is ranked lower than
70% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. AF: 0.57 )
Ranked among companies with meaningful ROA (%) only.
AF' s ROA (%) Range Over the Past 10 Years
Min: 0.13  Med: 0.40 Max: 0.8
Current: 0.57
0.13
0.8
Revenue Growth (3Y)(%) -3.60
AF's Revenue Growth (3Y)(%) is ranked lower than
79% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. AF: -3.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.9  Med: 4.10 Max: 13.5
Current: -3.6
-8.9
13.5
EBITDA Growth (3Y)(%) 9.10
AF's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. AF: 9.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.4  Med: 3.80 Max: 42
Current: 9.1
-43.4
42
EPS Growth (3Y)(%) 12.60
AF's EPS Growth (3Y)(%) is ranked higher than
64% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. AF: 12.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -44.6  Med: 6.00 Max: 71.8
Current: 12.6
-44.6
71.8
» AF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

AF Guru Trades in Q1 2015

Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 401,850 sh (-12.02%)
» More
Q2 2015

AF Guru Trades in Q2 2015

Jim Simons 695,650 sh (+73.11%)
Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
» More
Q3 2015

AF Guru Trades in Q3 2015

Michael Price 85,000 sh (New)
Bernard Horn 313,204 sh (+37.73%)
Jim Simons 745,359 sh (+7.15%)
Kahn Brothers 17,685 sh (unchged)
» More
Q4 2015

AF Guru Trades in Q4 2015

Mario Gabelli 21,000 sh (New)
Jim Simons 946,506 sh (+26.99%)
Bernard Horn 313,204 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
Michael Price Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC26.390.00

Ratios

vs
industry
vs
history
P/E(ttm) 18.88
AF's P/E(ttm) is ranked lower than
77% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. AF: 18.88 )
Ranked among companies with meaningful P/E(ttm) only.
AF' s P/E(ttm) Range Over the Past 10 Years
Min: 7.82  Med: 16.99 Max: 48.6
Current: 18.88
7.82
48.6
PE(NRI) 18.88
AF's PE(NRI) is ranked lower than
77% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.57 vs. AF: 18.88 )
Ranked among companies with meaningful PE(NRI) only.
AF' s PE(NRI) Range Over the Past 10 Years
Min: 7.71  Med: 17.01 Max: 48.46
Current: 18.88
7.71
48.46
Price/Owner Earnings (ttm) 15.01
AF's Price/Owner Earnings (ttm) is ranked lower than
69% of the 878 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.23 vs. AF: 15.01 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.46  Med: 12.27 Max: 45.93
Current: 15.01
3.46
45.93
P/B 1.02
AF's P/B is ranked higher than
53% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. AF: 1.02 )
Ranked among companies with meaningful P/B only.
AF' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.01 Max: 2.48
Current: 1.02
0.5
2.48
P/S 3.83
AF's P/S is ranked lower than
69% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. AF: 3.83 )
Ranked among companies with meaningful P/S only.
AF' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 3.17 Max: 6.58
Current: 3.83
1.3
6.58
PFCF 15.65
AF's PFCF is ranked lower than
74% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. AF: 15.65 )
Ranked among companies with meaningful PFCF only.
AF' s PFCF Range Over the Past 10 Years
Min: 2.22  Med: 7.32 Max: 21.72
Current: 15.65
2.22
21.72
POCF 13.99
AF's POCF is ranked lower than
76% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. AF: 13.99 )
Ranked among companies with meaningful POCF only.
AF' s POCF Range Over the Past 10 Years
Min: 2.12  Med: 6.99 Max: 18.71
Current: 13.99
2.12
18.71
EV-to-EBIT 46.01
AF's EV-to-EBIT is ranked lower than
91% of the 1501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. AF: 46.01 )
Ranked among companies with meaningful EV-to-EBIT only.
AF' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.7  Med: 34.60 Max: 132.1
Current: 46.01
12.7
132.1
EV-to-EBITDA 40.85
AF's EV-to-EBITDA is ranked lower than
92% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.32 vs. AF: 40.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
AF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.2  Med: 31.20 Max: 91.2
Current: 40.85
12.2
91.2
PEG 27.43
AF's PEG is ranked lower than
98% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. AF: 27.43 )
Ranked among companies with meaningful PEG only.
AF' s PEG Range Over the Past 10 Years
Min: 1.52  Med: 3.40 Max: 363.33
Current: 27.43
1.52
363.33
Shiller P/E 15.99
AF's Shiller P/E is ranked higher than
54% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.24 vs. AF: 15.99 )
Ranked among companies with meaningful Shiller P/E only.
AF' s Shiller P/E Range Over the Past 10 Years
Min: 3.5  Med: 10.17 Max: 21.44
Current: 15.99
3.5
21.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.05
AF's Dividend Yield is ranked lower than
89% of the 2089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. AF: 1.05 )
Ranked among companies with meaningful Dividend Yield only.
AF' s Dividend Yield Range Over the Past 10 Years
Min: 0.91  Med: 3.48 Max: 15.85
Current: 1.05
0.91
15.85
Dividend Payout 0.20
AF's Dividend Payout is ranked higher than
76% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. AF: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
AF' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.35 Max: 1.7
Current: 0.2
0.18
1.7
Dividend Growth (3y) -13.80
AF's Dividend Growth (3y) is ranked lower than
86% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. AF: -13.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -32.5  Med: 15.10 Max: 22.1
Current: -13.8
-32.5
22.1
Forward Dividend Yield 1.06
AF's Forward Dividend Yield is ranked lower than
90% of the 1957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. AF: 1.06 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.25
AF's Yield on cost (5-Year) is ranked lower than
97% of the 2483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. AF: 0.25 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.22  Med: 0.85 Max: 3.86
Current: 0.25
0.22
3.86
3-Year Average Share Buyback Ratio -1.60
AF's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1111 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. AF: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.1  Med: 2.30 Max: 7.4
Current: -1.6
-3.1
7.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
AF's Price/Tangible Book is ranked lower than
54% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. AF: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
AF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.79  Med: 1.62 Max: 2.92
Current: 1.14
0.79
2.92
Price/Projected FCF 0.49
AF's Price/Projected FCF is ranked higher than
69% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. AF: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
AF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.54 Max: 0.89
Current: 0.49
0.26
0.89
Price/Median PS Value 1.21
AF's Price/Median PS Value is ranked lower than
75% of the 1530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. AF: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
AF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.27 Max: 1.93
Current: 1.21
0.56
1.93
Price/Graham Number 0.98
AF's Price/Graham Number is ranked lower than
65% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. AF: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
AF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.10 Max: 2.11
Current: 0.98
0.64
2.11
Earnings Yield (Greenblatt) (%) 2.21
AF's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1641 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. AF: 2.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 2.90 Max: 7.9
Current: 2.21
0.8
7.9
Forward Rate of Return (Yacktman) (%) 12.38
AF's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.21 vs. AF: 12.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.1  Med: 11.50 Max: 26.4
Current: 12.38
-18.1
26.4

More Statistics

Revenue(Mil) $395
EPS $ 0.80
Beta0.54
Short Percentage of Float3.15%
52-Week Range $12.81 - 18.13
Shares Outstanding(Mil)101.41

Analyst Estimate

Dec16
Revenue(Mil)
EPS($) 0.65
EPS without NRI($) 0.65

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:WAFD, NAS:CFFN » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.
» More Articles for AF

Headlines

Articles On GuruFocus.com
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Bernard Horn Adds to Existing Stakes in 3rd Quarter Nov 24 2015 
Who to Side With on General Electric: Peltz or Ackman? Oct 14 2015 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) May 07 2010 

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Astoria Financial beats 1Q profit forecasts Apr 27 2016
Astoria Financial beats 1Q profit forecasts Apr 27 2016
Astoria Financial Corporation Reports 2016 First Quarter Earnings Per Common Share Of $0.16 Apr 27 2016
5:12 pm Astoria Fincl reports EPS in-line Apr 27 2016
Astoria Financial Corporation Reports 2016 First Quarter Earnings Per Common Share Of $0.16 Apr 27 2016
Q1 2016 Astoria Financial Corp Earnings Release - 4:45 pm ET Apr 27 2016
Shareholders Approve the Proposed Merger of Astoria Financial Corporation With and Into New York... Apr 26 2016
ASTORIA FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Apr 26 2016
Shareholders Approve the Proposed Merger of Astoria Financial Corporation with and into New York... Apr 26 2016
Shareholders Approve the Proposed Merger of Astoria Financial Corporation with and into New York... Apr 26 2016
ETF’s with exposure to Astoria Financial Corp. : April 25, 2016 Apr 25 2016
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events Apr 22 2016
Astoria Financial Corp. breached its 50 day moving average in a Bearish Manner : AF-US : April 22,... Apr 22 2016
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 13 2016
Astoria Financial Corporation Schedules First Quarter Earnings Release Apr 13 2016
Astoria Financial Corporation Schedules First Quarter Earnings Release Apr 13 2016
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events Apr 08 2016
Astoria Financial Corp. breached its 50 day moving average in a Bearish Manner : AF-US : April 6,... Apr 06 2016

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